This shouldn't be happening.
Try Safe Mode first please
Put the phone in Safe Mode which disables your downloaded app's but let's your stock app's keep working. If the issues stop then this highlights a downloaded app as the possible issue. Come out of Safe Mode and start deleting your most recent downloaded app's one at a time until it stops. https://www.samsung.com/uk/support/mobile-devices/how-to-start-my-galaxy-device-in-safe-mode/
Then clear the phone's system files if Safe Mode does not work.
Clear your phone's System Cache Files by turning your phone Off and then from a set series of button presses go into the phone's System Files and clear the cache. No information is lost this way. You may need to insert your headphones or hook upto a computer with your data cable to get to this menu on the phone. https://www.samsung.com/uk/support/mobile-devices/how-do-i-clear-the-cache-on-my-device/
Back up and factory reset would be my very last avenue to try and if that did not help then seek support from a Samsung Experience Store or Samsung Service Centre.
As long as the phone hasn't had an accidental bump or water damage there shouldn't be a charge.
Current Phone > Samsung Z Fold³ 5G.